Deposit Account Products

Account Type Minimum
Deposit to Open
Monthly
Service Charge
E-Checking  $50  None
Non-Interest Bearing
NOW Checking $100 Tiered
Pays Interest
Pay-Check-Plus Checking $100 $7
Pays Interest
Money Market Deposit Account $2,500 Tiered
Pays Interest
Graham Savers Account $50 Tiered
Pays Interest
Certificates of Deposit $1,000 – $2,500 None
Pays Interest
Individual Retirement Accounts $10 None
Pays Interest
Share Loans
Secured by Graham Savings Deposit Account

GRAHAM SAVINGS E-CHECKING

MINIMUM BALANCE CHECKS PROCESSED FREE MONTHLY
MONTHLY SERVICE CHARGE
None Required Unlimited None
  • Minimum opening balance $50
  • E-Statements required
  • Check orders at customer expense
  • Restrictions apply/ See new account representative for full disclosures that may apply

GRAHAM SAVINGS NOW CHECKING

MINIMUM BALANCE CHECKS PROCESSED FREE MONTHLY
MONTHLY SERVICE CHARGE
$600 ABOVE Unlimited None
$500 to $599 30 $4.00
$400 to $499 30 $5.00
$300 to $399 30 $6.00
Under $299 30 $7.00

An additional service charge of $.25 will be charged for each check processed in excess of 30 during a statement cycle.  This fee will not apply with a daily balance of $600 or more per statement cycle.

  • Minimum opening balance $100
  • Interest bearing account
  • FREE – 1st order of 120 personalized stock checks.
  • Restrictions apply/ See new account representative for full disclosures that may apply

GRAHAM SAVINGS PAY-CHECK-PLUS CLUB ACCOUNT

MINIMUM BALANCE CHECKS PROCESSED FREE MONTHLY
MONTHLY SERVICE CHARGE
None Required 75 $7.00
  • Minimum opening balance of $100
  • Interest bearing account
  • Restrictions apply

An additional service charge of $.25 will be charged for each check processed in excess of 75 during a statement cycle.

  • Free personalized stock checks
  • Free notary service
  • Free money orders
  • Free automatic drafts for loan payments
  • Free $10,000 accidental death and dismemberment insurance coverage
  • Additional insurance coverage available/See new account representative
  • Up to $5,000 Identity Fraud Expense
  • Credit Card Registration
  • Restrictions apply/ See new account representative for full disclosures that may apply

GRAHAM SAVINGS MONEY MARKET

MINIMUM BALANCE MONTHLY SERVICE CHARGE
$2,500 & Above None
Under $2,500 $7.00
  • An additional withdrawal fee of $1.00 will be charged for each withdrawal in excess of SIX during a statement cycle.
  • Restrictions apply/ See new account representative for full disclosures that may apply

GRAHAM SAVERS ACCOUNT

  • Minimum opening deposit of $50 is required
  • No deposit restrictions
  • Interest bearing account
  • Restrictions apply/See new account representative for full disclosures that may apply

A low balance fee of $2.00 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle.  An additional withdrawal fee of $1.00 will be charged for each withdrawal in excess of SIX during a statement cycle.

CERTIFICATES OF DEPOSITS & INDIVIDUAL RETIREMENT ACCOUNTS

Contact our Savings department for term and rate information.

  • Restrictions apply/See new account representative for full disclosures that may apply

SHARE LOANS

Graham Savings offers Share Loans that are secured by a Graham Savings CD or Savings account. The rate on the loan is determined by the interest being paid on the account.

  • Restrictions apply/Ask for details